More than expected, I have received emails about finding my budget download, so I wanted to post it here one more time. For the record my FREE budget download is in the right sidebar, as well as in the navigation links above. I realize my navigation links are kind of hiding above but I do plan to address that issue very soon. Web design is certainly not my specialty, but I will be working on it. I am planning to give my site a transformation to allow all of you a more friendly experience when you visit. What I […] Read more »

Are You Motivated? Chances are, you often feel overwhelmed with your financial situation, and like most, you want to do something about it. There are many things that keep us from doing what we know we should do. Time constraints, lack of energy, procrastination, depression, and even addictions to name a few. One that people rarely consider is negativity from the people around them. People will rain on your parade in a second once you start talking about quitting something they too are doing. Whether it be shopping, smoking, going on a diet, exercising, or changing your financial habits, people […] Read more »

Hey everyone! First of all, to all the Mommies out there, I hope you had a fantastic Mother’s Day Weekend! One thing I have learned from writing about credit cards is that people LOVE rewards, so I have decided to start my own Reader Rewards Program! The great thing about this upcoming program is that you don’t have to go into debt in order to get free rewards!! Now that’s a REAL reward!! Subscribe now to receive FREE updates from ENEMY OF DEBT! Two XL Dave Ramsey “Owe Nothing To Anyone, Except Love” T-Shirts FREE!! As promised, I will be […] Read more »

An Unusual Day In The Life Of A Part Time Blogger Well let me start by saying, WOW!!! Today was an extraordinary day for me. Two weeks ago I was contacted through my website by Jim Kavanagh, a writer for CNN.com. When I woke up this morning I had no idea what I was in for. Kavanagh wrote a terrific story called, Walking Away From Credit Cards, which highlighted the fact that some people have chosen to say NO to credit cards. I was quoted as saying, “Credit card debt is our biggest hindrance in being able to take care […] Read more »

Go to www.daveramsey.com/fpu to learn more! Decisions, Decisions! The American dream is to own a home, but at what cost? Should you sacrifice financial security just to buy a home? Should you take advantage of creative financing in order to bypass the red flags? Should you buy a home if you have absolutely no savings and no down payment? The answer is NO to all of the above. If you attended the Town Hall For Hope event then Dave Ramsey attempted to teach us a new word. That word is “NO”. His point was that we need to learn how […] Read more »

DOWNLOAD THIS BUDGET – I created this budget to give people the tools needed to budget effectively. Budgeting is very important and I have received many emails about how it has helped people with the process. Give it a try and see what you think! FOLLOW THESE 7 EASY STEPS TO BUDGETING – Proven methods to help you beat the budgeting blues. So many people, including myself, have started a budget and before the month ends the budget is busted. It kills your motivation and desire to budget, and before you know it you are right back to your […] Read more »

When You Ignore The Warnings, Getting Bit Shouldn’t Be A Surprise! On my way home tonight I heard on the radio some hissing from people getting upset because Credit Card companies have started to rattle their tails. It started near the end of last year when credit card companies started lowering consumers credit limits, to no doubt protect themselves from the possibility of continued economic decline. The following article excerpt sheds some light on the problem this is causing for people: “Texas-based flight attendant Lilli Durbin used to have six credit cards (my emphasis added), which is fairly typical for […] Read more »

Debt-ception Is Everywhere! The use of debt is rampant and highly irresponsible. Because we think the good outweighs the bad, we allow ourselves to justify its use. We tell ourselves that it is okay because it is helping us, ignoring all of the signs of its destruction. We have replaced good old fashioned savings for the servitude and hardship that debt brings us. In my opinion we have done this because we have forgotten that no journey worth taking is easy. We have lost hope in our lives and in ourselves, but I know how to get that back. Learning […] Read more »

Hey Everyone! On April 5th, 2008, I was inspired to start my very first blog ever! The mission was simple. Spread the word about living debt free!! Three months earlier we started our Total Money Makeover and discovered through the process, a little thing called HOPE! It was such an invigorating experience as we watched our habits and financial situation transform before our eyes. Around the same time I started the online version of Financial Peace University and a passion started pouring out of me like never before. I finished watching every lesson and passed every test within about two […] Read more »

Once a month I may get something from a company that wants to partner with Enemy of Debt in some way. The one I received today was a little different but not really. She claimed to read a blog of mine, but maybe she needed to read more of them before contacting me. Her company was nothing more than a debt CONsolidation and negotiation company. My response was respectful, but to the point. The OFFER: Hi! I was checking out an article called “I Hate Debt, What About You” on your site www.enemyofdebt.com, and was thinking that I have a […] Read more »

A Little Fun I created an application on Facebook. Are you Weird Or Broke? Find out now! This is for fun but there is some truth to the results you get. Even if you feel broke your new way of thinking about money from what you have learned here changes everything! Have fun and share this link with everyone! Read more »

Student Loans Often Overstay Their Welcome Just as many of you, we used student loans. We had about four total. We currently have one left and that makes us VERY happy! We used every last dollar we could squeeze out of our budget, to pay on our debt snowball in March. We were very blessed and were able to pay off $1,325 which actually paid off one completely. (See our updated DEBT FREE progress chart.) I was looking at our current updated balance when I noticed something very amusing. The scheduled pay off date was not until 10/21/18!!!! 10 YEARS […] Read more »

Would The Real Person Responsible Please Stand Up! Not a day goes by where I do not hear at least one person, but usually more, complain about something that they don’t have. Whether it be health care and retirement, the lack of one stinking dollar in their savings account, or the ability to juggle a loftier than thou mortgage that is no longer affordable. It is no wonder people are running around scared to death. The truth is I feel a little scared too! BUT…our Total Money Makeover has relieved some of that fear, and hope has renewed our spirits. […] Read more »

1. Maintain An Emergency Fund Of $1,000 This is very important! If you do not have an adequate emergency fund when life happens to you, you will feel defeated. It has a very negative impact on your desire to budget when you have to reorganize EVERYTHING to pay for emergencies. If you have an emergency fund all you have to do is cover the emergency without reorganizing the entire budget. 2. Remember That You & Your Spouse Are On The Same Team The friction caused by disagreement will often cause the budget to be a flop before it ever has […] Read more »

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Team EOD

Team EOD consists of a handful of talented writers (including myself!), each bringing you a different style and approach to personal finance. Our goal is to encourage and inspire you to take control of your money and learn about the benefits of debt freedom. Some of us are debt free and some of us are still on that journey. Regardless of where you are on your path to freedom we want to help you where we can. Your journey starts today!

Hello and welcome toEnemy of Debt! I founded EOD in April of 2008 in an effort to motivate and inspire financial discipline by focusing on behavior and truth. By teaching personal responsibility, debt free principles, and the importance of planning, people can learn how to take control of their finances one step at a time. I want to help! :)